Fabio
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Ingested titles 12–51 and 54 from OLRC USLM XML @119-100 (the whole Code now, uniform edition; Title 53 is reserved/empty). LegalText 11,221 -> 59,740; repo total 105,704 records. Deterministic (byte-identical rerun, verified on Title 42's 8,356 sections); make check green. make legal-us-code default now covers every title. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
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| LegalText | 12 U.S.C. § 4005 | Payment of interest | us | united_states_code | code_section | 12 | BANKS AND BANKING | 41 | EXPEDITED FUNDS AVAILABILITY | 4005 | 12 U.S.C. § 4005 | current | 119-100 | 2026-06-26 | official | https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc12@119-100.zip | /us/usc/t12/s4005 | data/legal/raw/us/code/title-12/usc12.xml | 03cb7c6443113928e798d31ceee6b12c903f3e84a34e9ec9e84f909fa611b8fb | e6b98700ef4156ac33fde5d105824845d727afa91a53f3762be2cf4d1a3b01fa | 0dd84e7405054f4d0dc92af72f4bade151594cdfa81d8e6dbe1206c607b06b70 | 2026-07-04 | official |
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12 U.S.C. § 4005 - Payment of interest
Text
(a) In general Except as provided in subsection (b) or (c) and notwithstanding any other provision of law, interest shall accrue on funds deposited in an interest-bearing account at a depository institution beginning not later than the business day on which the depository institution receives provisional credit for such funds.
(b) Special rule for credit unions Subsection (a) shall not apply to an account at a depository institution described in section 461(b)(1)(A)(iv) of this title if the depository institution—
(1) begins the accrual of interest or dividends at a later date than the date described in subsection (a) with respect to all funds, including cash, deposited in such account; and
(2) provides notice of the interest payment policy in the manner required under section 4004(e) of this title.
(c) Exception for checks returned unpaid No provision of this chapter shall be construed as requiring the payment of interest or dividends on funds deposited by a check which is returned unpaid.
(Pub. L. 100–86, title VI, § 606, Aug. 10, 1987, 101 Stat. 646.)
Notes
Statutory Notes and Related Subsidiaries
Effective DateSection effective Sept. 1, 1988, see section 613(b) of Pub. L. 100–86, set out as a note under section 4001 of this title.